| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DOUGLAS H ROEHM3 | 245 BARCLAY CIRCLE SUITE 200 ROCHESTER HILLS, MI 48307 | PRIORITY HEALTH | $15K | — | $15K | 4.97% |
| DOUGLAS H ROEHM3 | 245 BARCLAY CIRCLE SUITE 200 ROCHESTER HILLS, MI 48307 | PRIORITY HEALTH | $14K | — | $14K | 4.97% |
| DOUGLAS H ROEHM3 | 245 BARCLAY CIRCLE SUITE 200 ROCHESTER HILLS, MI 48307 | PRIORITY HEALTH | $13K | — | $13K | 4.97% |
| DOUGLAS H ROEHM3 | 245 BARCLAY CIRCLE SUITE 200 ROCHESTER HILLS, MI 48307 | PRIORITY HEALTH | $12K | — | $12K | 4.97% |
| AFFILIATED AGENCIES LLC3 Filed as: AFFILIATED AGENCIES, LLC | 5925 MERIDIAN BOULEVARD BRIGHTON, MI 48116 | DELTA DENTAL OF MICHIGAN | $6K | — | $6K | 4.73% |
| ROEHM & ASSOCIATES3 | 139 WALNUT BOULEVARD ROCHESTER, MI 48307 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 10.50% |
| ROEHM & ASSOCIATES3 | 139 WALNUT BOULEVARD ROCHESTER, MI 48307 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 15.00% |
| STRATEGIC SERVICES GROUP3 | 245 BARCLAY CIRCLE SUITE 200 ROCHESTER HILLS, MI 48307 | VISION SERVICE PLAN | $968 | — | $968 | 6.06% |
| RICHARD J MOELLER3 | 23025 CLAIRWOOD STREET SAINT CLAIR SHORES, MI 48080 | AFLAC | $504 | — | $504 | 7.93% |
| JOSHUA B DEVRIES3 | 110 TREALOUT DRIVE SUITE 202 FENTON, MI 48430 | AFLAC | $196 | — | $196 | 3.08% |
| THOMAS W BOSTON3 Filed as: THOMAS A DANKO | 2030 34 MILE RD BRUCE TOWNSHIP, MI 48065 | AFLAC | $88 | — | $88 | 1.38% |
| HILARY R EBNER3 | 31201 CHICAGO RD S STE A103 WARREN, MI 58093 | AFLAC | $44 | — | $44 | 0.69% |
| JEFFREY C WERNER3 Filed as: JEFFREY WERNER LLC | 18096 TRUDY DRIVE SPRING LAKE, MI 49456 | AFLAC | $40 | — | $40 | 0.63% |
| AG AND ASSOCIATES3 | 2150 ASSOCIATION DRIVE SUITE 150 OKEMOS, MI 48864 | AFLAC | $33 | — | $33 | 0.52% |
| HILLARY NEWCOMB3 | 31201 CHICAGO ROAD SOUTH SUITE A 103 WARREN, MI 48093 | AFLAC | $32 | — | $32 | 0.50% |
| STEVEN PETERSON3 Filed as: STEVEN A PETERSON | 1398 JUDD ROAD SALINE, MI 48176 | AFLAC | $18 | — | $18 | 0.28% |
| KACY A GRUENKEMEYER3 | 11116 AURORA AVENUE URBANDALE, IA 50322 | AFLAC | $16 | — | $16 | 0.25% |
| JAMES C SNIDER JR3 | 2461 WEST STATE ROAD 426 SUITE 2061 OVIEDO, FL 32765 | AFLAC | $7 | — | $7 | 0.11% |
| SPAZ AND GLAUB ENTERPRISES3 | 2150 ASSOCIATION DRIVE SUITE 150 OKEMOS, MI 48864 | AFLAC | $5 | — | $5 | 0.08% |
| JAMES BULLOCK3 | 3715 POWDERHORN DR OKEMOS, MI 48864 | AFLAC | $1 | — | $1 | 0.02% |
| HEIDI E GLAUB3 | 1325 OAK HOLLOW DR MILFORD, MI 48380 | AFLAC | $1 | — | $1 | 0.02% |
| RANDALL L KIMBLER3 | PO BOX 302 HESPERIA, MI 49421 | AFLAC | $1 | — | $1 | 0.02% |
| THOMAS W RINGWALD3 | 37231 N 110TH ST SCOTTSDALE, AZ 85262 | AFLAC | $1 | — | $1 | 0.02% |
| RICHARD J MOELLER3 | 23025 CLAIRWOOD STREET SAINT CLAIR SHORES, MI 48080 | AFLAC | $422 | $33 | $455 | 7.39% |
| JOSHUA B DEVRIES3 | 110 TREALOUT DRIVE SUITE 202 FENTON, MI 48430 | AFLAC | $233 | $47 | $280 | 4.54% |
| THOMAS W BOSTON3 Filed as: THOMAS A DANKO | 2030 34 MILE RD BRUCE TOWNSHIP, MI 48065 | AFLAC | $103 | $13 | $116 | 1.88% |
| STEVEN PETERSON3 Filed as: STEVEN A PETERSON | 1398 JUDD ROAD SALINE, MI 48176 | AFLAC | $36 | — | $36 | 0.58% |
| HILLARY R EBNER3 | 31201 CHICAGO RD S STE A103 WARREN, MI 48093 | AFLAC | $29 | — | $29 | 0.47% |
| JEFFREY C WERNER3 Filed as: JEFFREY WERNER LLC | 18096 TRUDY DRIVE SPRING LAKE, MI 49456 | AFLAC | $23 | — | $23 | 0.37% |
| AG AND ASSOCIATES3 | 2150 ASSOCIATION DRIVE SUITE 150 OKEMOS, MI 48864 | AFLAC | $19 | — | $19 | 0.31% |
| HILARY R EBNER3 Filed as: HILARY NEWCOMB | 31201 CHICAGO ROAD SOUTH SUITE A 103 WARREN, MI 48093 | AFLAC | $16 | — | $16 | 0.26% |
| SPAZ AND GLAUB ENTERPRISES3 | 2150 ASSOCIATION DRIVE SUITE 150 OKEMOS, MI 48864 | AFLAC | $12 | — | $12 | 0.19% |
| KACY A GRUENKEMEYER3 | 11116 AURORA AVENUE URBANDALE, IA 50322 | AFLAC | $11 | — | $11 | 0.18% |
| RANDALL L KIMBLER3 | PO BOX 302 HESPERIA, MI 49421 | AFLAC | $1 | — | $1 | 0.02% |
| HEIDI E GLAUB3 | 1325 OAK HOLLOW DR MILFORD, MI 48380 | AFLAC | $1 | — | $1 | 0.02% |
| STRATEGIC BENEFITS4 Filed as: STRATEGIC SERVICES INC. | 245 BARCLAY CIRCLE SUITE 200 ROCHESTER HILLS, MI 48307 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $604 | — | $604 | 14.24% |
| DENNIS W MCVITTIE JR4 Filed as: DENNIS W. MCVITTIE JR | 43749 DORISA COURT NORTHVILLE, MI 48167 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $402 | — | $402 | 9.47% |
| DENNIS W MCVITTIE JR4 Filed as: DENNIS W. MCVITTIE JR | 43749 DORISA COURT NORTHVILLE, MI 48167 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $394 | — | $394 | 12.05% |
| STRATEGIC BENEFITS4 Filed as: STRATEGIC SERVICES INC. | 245 BARCLAY CIRCLE SUITE 200 ROCHESTER HILLS, MI 48307 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $233 | — | $233 | 7.13% |
No Schedule C service providers reported on this filing.
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 128 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 129 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts) | PRIORITY HEALTH | 74 | $1.1M |
| Dental | DELTA DENTAL OF MICHIGAN | 323 | $123K |
| Vision | VISION SERVICE PLAN | 82 | $16K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 129 | $56K |
| Short-term disability(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 129 | $69K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 129 | $56K |
| Other(6 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 129 | $117K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 323 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.